12 Best Charm Necklaces, According to a Fashion Editor 2025

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Plus, 12 editor-vetted picks to shop now.

Growing up, I had these two fabulous older cousins. Their mom had bestowed each of them with a gold bracelet to collect charms on throughout their lives. It always struck me—and still does—as terribly chic. When I got my first real job out of college, I bought myself a necklace chain to start my own collection. Since then, it’s grown quite illustrious, and it’s the single item I own that garners the most compliments. Long story short, I’ve been preparing to judge the best charm necklaces for years.

I usually treat myself to a new charm for milestones or meaningful moments—a graduation cap, a key, an initial—that kind of thing. The result is a piece of heirloom jewelry that is not only interesting to look at but that also tells a story that’s unique to me. But that said, there are also a whole lot of pre-designed options that offer the funky, eclectic look without requiring years of curation. Personally, I’ve made room in my jewelry box for both. Whichever you prefer, I’m breaking down the best charm necklaces to shop now, below.

Every time I see someone wearing a fabulous charm necklace, they tell me it’s from Free People. Say no more!

I’m calling it now: Mixed metals are coming back.

Catbird is doing amazing things when it comes to charms. Pick from a wide range of chains and styles, including these cluster holders for those who don’t like the traditional look of spaced out charms.

Elizabeth Cole offers the look of something you spent years collecting and putting together yourself, sans any of the actual work on your part.

Anyone and everyone who knows jewelry, knows Roxanne Assoulin. I’m obsessed with her corded styles and use of color.

I genuinely just bought this for myself, not kidding.

How cute and fun for summer!

Bring back the lost art of locket necklaces with this luxe pick from Ben Amun.

I’m typically a gold gal, but I might have to make an exception for this one.

It’s sardine girl summer, apparently, and this is the perfect necklace for all your beachy outfits

For variety that won’t break the bank, BaubleBar is where it’s at.

No one has been doing charms as well for as long as Adina Reyter has been. If you want to treat yourself (or someone else), look no further.

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